Questions & Answers
What can you do if the bank filed a case against despite paying the loan by insurance after losing job?
Hello Sir,
My friend had a large personal loan and paid installments for 1.5 years before losing his job.
A criminal case was filed in 2019, but he was cleared with a fine as the judge accepted that job loss insurance covered the loan. Funds were credited (shown in the statement & SMS), and customer service confirmed twice that the loan was cleared.
He also paid AED 10K+ interest for the insurance. A year later, a cheque case was filed by a debt company and bank—he won with the same documents. Now, in Jan 2025, the bank filed a commercial case.
The court appointed an expert, but the expert ignored his evidence. he showed that a key page of the contract (stating job loss insurance) was missing from the bank’s submission.
The bank told the expert the credited amount was a “loan write-off,” but gave no proof. The expert never investigated his findings.
I need advice on whether this verdict can be appealed and whether it’s worth pursuing further. My friend is in India now
Hello dear questioner,
It is clear that your friend’s position is strong, and he has proof and evidence of that.
You have the right to appeal to close the case once and for all if you want, but the appeal must be within the legal deadlines stipulated by law, and we can help you with the matter.
For further discussion, please share your WhatsApp number.
Hello,
Your friend can file an appeal against the court’s decision within the UAE’s commercial court appeal deadlines (usually 30 days from the judgment date).
The appeal should highlight procedural errors, the ignored evidence, and the bank’s lack of proof. If the expert’s report influenced the verdict unfairly, your friend’s lawyer can request the court to review the expert’s findings or appoint a new expert.
Submit all previously accepted documents again (bank statements, SMS confirmations, insurance payment receipts, court rulings from earlier cases) to strengthen the appeal.
If the amount involved is significant and your friend has strong documentary evidence and prior favorable judgments, pursuing an appeal is advisable.
The bank’s inability to substantiate its claims and the expert’s questionable report provide grounds for contesting the verdict.
Your friend appears to have a strong legal defense rooted in:
Full payment of the loan via job loss insurance, which was acknowledged by the bank (via statements, SMS, and customer service).
Previous criminal and cheque cases decided in his favor using the same evidence.
In the current commercial case, a key document (the job loss insurance clause) was omitted by the bank, and the expert failed to consider his evidence or demand clarification on the bank's claim of “loan write-off.”
Yes, the judgment can be appealed provided that:
It is within the appeal window (usually 30 days from the date of the judgment).
He can prove that the expert’s report was flawed, incomplete, or biased, and that critical evidence was ignored.
He requests either a new expert to be appointed or for re-evaluation of the expert’s report with all evidence considered.
Please feel free to share your WhatsApp number or your friend’s contact for further assistance. Time is critical if the verdict was recent.
Hello,
Thank you for sharing the detailed background of your friend’s case.
Based on the information provided, it appears that there are valid legal grounds to appeal the recent commercial court verdict in the UAE.
The expert report may be challenged, as it allegedly overlooked critical evidence, such as proof of loan settlement through job loss insurance, missing contractual pages, and prior favorable rulings (including a dismissed cheque case and a resolved criminal case).
Additionally, the bank’s claim of a “loan write-off” lacks supporting documentation. Since your friend is currently in India, he may still proceed by appointing a UAE-based lawyer through a notarized and attested Power of Attorney.
Filing an appeal within 30 days of the judgment is essential to preserve his rights and prevent enforcement risks such as civil execution or travel bans.
I would be happy to assist with reviewing the judgment, coordinating with local counsel, or preparing the necessary documents for appeal if required.
Best regards,
Hello,
Thank you for reaching out. Based on the details, your friend may have valid grounds to appeal the verdict, especially given the missing contract page and the expert’s lack of proper investigation.
Challenging such cases can be complex and require thorough legal review and documentation.
We recommend booking a consultation with Future Vision for Advocacy and Legal Consultancy to assess the case in detail and advise on the best course of action. Your friend can also consider legally authorizing our office to represent him if needed.
Please visit our website to book an appointment or to initiate the legal representation process.
We are happy at Future Vision Law Advocates and Legal Consultancy to assist you and provide the best legal services that meet your needs.
To contact us, you can call or WhatsApp us.
Dear RV,
Thank you for reaching out to us regarding your friend's ongoing legal matter related to a commercial case filed by the bank in January 2025.
Based on the information provided, your friend has previously:
Settled the original personal loan through job loss insurance, confirmed by the bank, and reflected in his account.
Paid over AED 10,000 in interest specifically for the job loss insurance policy.
Successfully defended both a criminal and a cheque case filed in 2019 and thereafter, using the same documentary evidence.
However, it appears that in the current commercial case, a court-appointed expert failed to fully assess the evidence submitted by your friend. Specifically:
The expert overlooked key documents, including bank confirmations and proof of insurance coverage.
The bank failed to provide any documentary evidence for its claim that the credited amount was a “loan write-off.”
A critical page of the original loan contract—clearly mentioning the job loss insurance—was missing from the bank's court submission.
These procedural and evidentiary gaps were reportedly not addressed in the expert’s final opinion.
Our Legal Advice and Next Steps:
Yes, the verdict can be appealed, and we recommend doing so within the legally allowed appeal window, usually 30 days from the date of judgment issuance. In the appeal, your friend can raise the following key grounds:
Improper evaluation of evidence by the court's expert.
Procedural unfairness due to the court not considering material documents.
Violation of contractual rights, particularly regarding the job loss insurance agreement.
Absence of valid proof from the bank to justify any further liability.
We also strongly advise that your friend appoint a legal representative in the UAE to:
- File the appeal within the deadline,
- Request a new independent court expert, and
- Present all prior judgments and bank confirmations in an organized manner.
- As your friend is currently residing in India, we can assist in representing him locally before the court, preparing the appeal, and ensuring that all required evidence is submitted in the appropriate legal format.
Please let us know if he would like to proceed, and we will arrange a consultation to begin the appeal process immediately.
Sincerely,
Mohammad Salah
Legal Consultant
Thank you for contacting us via Legal Advice Middle East.
This is a legally complex and sensitive scenario, and there are multiple legal options available depending on the final judgment and its date.
We have previously handled a nearly identical case, where the bank filed multiple actions—criminal, civil, and cheque-related—despite a settled loan due to job loss insurance.
In that case, we overturned the court expert’s findings on appeal and obtained a full dismissal.
In your friend’s situation, the core issue is the expert’s failure to consider key documents, including the missing contract page and the bank's lack of proof regarding the “write-off.” If the judgment was issued recently, it can absolutely be appealed within the legal time limit.
Appeals based on procedural flaws in expert reports and suppressed or ignored evidence are accepted grounds, especially when they affect the merits of the case.
Since your friend is currently outside the UAE, a Power of Attorney (POA) can be arranged through the UAE Embassy in India, allowing us to represent him fully.
Our team can assess the judgment, analyze the expert’s reasoning, and file a strong appeal based on banking misrepresentation and failure of due process.
Thank you for your query. Based on the details you provided:
✅ Can the judgment be appealed?
Yes — commercial court judgments in the UAE can be appealed within the legal deadline (usually 30 days from the date of judgment).
✅ Is it worth pursuing?
If your friend has strong evidence (such as:
- proof of the insurance payout covering the loan,
- records of the bank confirming the settlement,
- proof that key parts of the contract were missing from the bank’s submission,
- and that the expert ignored critical evidence),
Then an appeal could have good prospects.
✅ Recommendation:
We strongly advise that your friend appoint a qualified lawyer to review the full case file, judgment, and expert report. The appeal should focus on:
The expert’s failure to consider material evidence, the missing contract pages, and the bank’s failure to provide proof for their claims (e.g., that the amount was a “loan write-off”).
